Complaint Review: Assurant

 Filed a claim with Assurant on July 13, 2015. All seemed well in the beginning. I was asked to sign the evidence of property sheet and return to company. I uploaded documents on their online claim portal. My adjuster called and stated which documents I needed to provide .I gave him police report number which was given to me by officer that came to my home. The adjuster asked that I provide photos / Item receipts / bank statements etc. I contacted the Adjuster about a week later to check status, adjuster let me know he could not move forward with process until the police sent my report which he stated could take up to 4 weeks to receive . I said I would go grab it for him instead. Police department is fairly close to my home. After recieving police report adjuster said I would need to do a recorded phone call. We set up a time he called on time as he stated he would . He asked me a series of questions then towards the end of the call he started to fire off questions about my previous claim. He stated I did not list prior claim on insurance sign up . I let him know that I did list prior claim and let him know while signing up I had a hard time moving forward in the application process. I signed up on my mobile phone which is an IPHONE .. I let him know on the recorded call that I kept pressing continue and the calendar wouldn't remove and this is the calendar that's used to select date of prior loss. I let him know that I screen shot the error as I do with all companies that have glitches, I'm in compliance by trade I find errors in systems at my financial institution and forward them to IT for system glitch clean up. I let the investigator know that I also listed prior loss on the paper they sent out.., I forget the exact name of the document ... Stated to the adjuster why list on one document and not the other. After this investigator stated an SIU investigator would be contacting me which she never did. Throughout thr process he asked me questions about my items and why I didn't have receipts for my items.. 1 I don't keep reciepts 2nd who keeps receipts for things they cannot return or get a tax write off for. None of my items that were stolen were used for work or for any goodwill. I let him know I have photos from some of the social networking site with pictures of me wearing some of my items that were listed in my claim. I provided my bank statements to show the withdraws of cash that I had taken out to purchase some of my more expensive items. Adjuster ask prior to me welling providing my bank statements you should have the purchase place on your receipts. I let him know I preferred cash this way no over spending. Moving forward adjuster stated he needed to gain information on prior claims and the items which were claimed. In the process of waiting I received a ROR letter from this company. One certified one reg US mail .. With insurance verbiage listed on the back of the letter. On front of letter it basically stated I must comply with SIU I felt this was odd verbiage to use in a letter expecially because I complied with all request within 48 hour time frame, I have a detailed log of every call made to this company including their responses and mine ... I immediately contacted California Department of insurance they told me to make sure I respond to the letter. I responded to the letter via email with proof via a read receipt and one is out in US mail certified. After this I contacted adjusted again and at this time which was almost 3 weeks he was waiting on a response from the prior company and only SIU could gain that information. Found hard to believe but okay ...I called back every day. He said finally they recieved documents but unfortunately they were incomplete.. I call BS... Something wasn't right. Wait forgot to add that when is asked if I needed to respond to the ROR letter I was told by Adjuster and his indirect supervisor "no need to respond to this letter " it's just a generic letter we have to send out .., next I contacted the California Department of Insurance they stated by law I have the right to contact the other insurance company and see if the documents were requested. I contacted the other company which is AMIG Insurance they were very helpful they got me to the manager within the first call. The next day I recieved a call back she said I'll look into this I provided my email address of course for documentation of course compliance habit.. Anyway moving forward I got an email back from another manager with the previous manager CCd on the email.. The email read no documents were requested by Assurant for this claimant. I contacted my adjuster immediately I let him tell me we are still waiting on documentation from the SIU department. Then I said okay but how are you waiting for documentation that was never requested ? Silence ..... I said attached to an email that's I just sent you is my full correspondence with AMIG insurance of no documentation being requested ... What the heck was I waiting for 3 weeks for !!!!!!!! insurance by law is supposed to treat all claims fairly I feel if I didn't have to provide photos they wouldn't have known I am a minority and would've paid my claim along time ago. This company is linked to Geico and Geico was ordered to pay customers for raising rates on single moms etc. Their online system Was actually set up to raise rates for different factors .. Google will give all details of news headline which aired this week. I am a minority but I make a great salary ... And I am an excellent saver ... I work hard like anyone else ... I am not making this a race issue by any means but I feel discriminated against because had I not provided those photos maybe I wouldn't be going though this dragged out insurance process.... Next time ask for my compliance certifications and educational achievements maybe it would be easier to actually work on my claim .... I don't deserve this sort of treatment by any company!!!!!!!